Optic Financial – Smart, Simple Mortgage & Insurance Solutions
At Optic Financial, we believe securing a mortgage or insurance policy shouldn’t be complicated. Our all-in-one Mortgage & Insurance Calculator simplifies the process, giving you clear, instant estimates tailored to your needs.
Optic Financial is more than just a mortgage and insurance brokerage—we are a trusted partner in your financial journey. With years of industry experience and a deep understanding of the market, we specialize in finding the most competitive and suitable financial products for our clients. Whether you’re purchasing your first home, expanding your property portfolio, or safeguarding your assets, we ensure that every decision is backed by expert insights and real value.
How we can help you
At Optic Financial, we do more than just connect you with mortgage and insurance solutions—we provide exclusive access to a wide network of lenders and providers, ensuring you secure the best possible deal tailored to your needs.
Unmatched Market Access
- 200+ Lenders & Providers – Our extensive panel gives you access to a broader range of options than what’s available on the high street.
- Exclusive Lenders – We work with lenders that are not available to the general public, which means you could benefit from lower interest rates, better terms, and bespoke deals.
- Specialist Mortgages & Insurance – If you’re self-employed, a property investor, or require commercial financing, we have access to specialist lenders who understand complex financial situations and can provide tailored solutions.
Better Deals, Bigger Savings
- Lower Interest Rates – Our relationships with lenders allow us to secure rates that are often better than those offered by mainstream banks.
- Reduced Fees & Exclusive Offers – Many of our lending partners provide special deals, cashback offers, or discounted fees that aren’t available through traditional banks.
- Tailored Financing – Instead of a one-size-fits-all approach, we match you with a mortgage or insurance policy that aligns with your exact financial situation and goals.
A Streamlined, Hassle-Free Process
- We Handle the Negotiation – No need to spend hours searching for the best deal—we do the work for you, comparing lenders and securing the best terms.
- Less Paperwork, Faster Approvals – With our expertise and strong lender relationships, we help speed up approvals and simplify the process.
- Expert Guidance – From the initial application to final approval, our team ensures you fully understand your options and make well-informed financial decisions.
At Optic Financial, we believe that better access means better deals. Get in touch today to explore your options and take the next step toward securing your financial future.
Residential
What is a Residential Mortgage?
A residential mortgage is a loan used to buy a home you plan to live in. Whether you’re a first-time buyer, moving to a new home, or remortgaging, securing the right mortgage deal is crucial.
However, getting approved isn’t always easy. Lenders have strict criteria, and if you’ve been denied before, it can feel like your options are running out. That’s where a mortgage broker with access to over 200+ lenders and providers can make a difference.
Why Use a Mortgage Broker with 200+ Lenders?
Unlike going directly to a single bank, a broker has access to a vast network of lenders, including high street banks, specialist lenders, and exclusive mortgage deals. This means they can:
- Find a lender willing to approve you – even if you’ve been turned down elsewhere
- Access exclusive deals – potentially securing you a lower rate
- Match you with the right lender – whether you’re self-employed, have a complex income, or a low credit score
- Save you time and hassle – handling the paperwork and negotiations for you
Been Declined Elsewhere? Don’t Give Up
If you’ve been told “no” by a bank, it doesn’t mean all lenders will say the same. Every lender has different criteria, and some are more flexible than others. Our brokers specialize in finding solutions where others can’t.
Get a Mortgage That Works for You
Whether you’re looking for a lower interest rate, a higher borrowing amount, or just a lender willing to approve you, our team is ready to help.
Find out what mortgage deals you qualify for – contact us today.
What is a Commercial Mortgage?
A commercial mortgage is a loan used to purchase, refinance, or develop a property for business use. Whether you’re looking to buy office space, a retail unit, an industrial warehouse, or an investment property, securing the right deal can make a huge difference to your business finances.
However, commercial lending criteria can be complex, and traditional banks may not always offer the flexibility you need. That’s where a mortgage broker with access to over 200+ lenders and providers can help.
Why Use a Mortgage Broker with 200+ Lenders?
Unlike dealing with a single bank, a broker has access to a wide range of lenders, from high street banks to specialist commercial lenders. This means they can:
- Find the right lender for your business – Even if you’ve been declined elsewhere
- Access exclusive deals – Potentially securing lower rates or better terms
- Tailor solutions to your needs – Whether you’re a small business, a property investor, or a large enterprise
- Navigate complex criteria – Including irregular income, development projects, or niche industries
- Save time and effort – Handling negotiations and paperwork on your behalf
Struggling to Secure a Commercial Mortgage?
Many business owners face challenges securing commercial funding due to strict lending criteria. But every lender assesses applications differently. A broker with access to 200+ lenders can match you with those most likely to approve your application on competitive terms.
Find the Right Funding for Your Business
Whether you need a mortgage for a business premises, an investment property, or a large-scale development, our team is ready to help.
Find out what commercial mortgage deals you qualify for – contact us today.
Commercial
Protection
What is Protection?
Protection is about ensuring financial security for you, your family, or your business in case of unexpected events. Whether it’s illness, injury, loss of income, or even death, the right protection policies can provide peace of mind and financial stability when it’s needed most.
Many people overlook protection, but without it, a sudden change in circumstances could leave you struggling to cover mortgage payments, household bills, or business expenses.
Types of Protection We Offer
- Life Insurance – Provides a lump sum payout to your loved ones in the event of your passing, helping to cover mortgage payments, living costs, or future expenses.
- Critical Illness Cover – Pays out a tax-free lump sum if you’re diagnosed with a serious illness, giving you financial support when you need it most.
- Income Protection – Replaces a portion of your income if you’re unable to work due to illness or injury, helping you maintain financial stability.
- Business Protection – Ensures businesses can continue operating in the event of a key person’s illness or death, safeguarding employees, partners, and operations.
Why Use a Broker for Protection?
Not all protection policies are the same, and the right cover depends on your personal and financial situation. By working with a broker who has access to 200+ insurers and providers, you can:
- Find the best cover for your needs – Tailored to your lifestyle, income, and family situation.
- Access exclusive deals and lower premiums – Potentially saving you money compared to going direct.
- Ensure a smooth claims process – Guidance and support when you need to make a claim.
- Protect your mortgage and future finances – Ensuring you’re not left vulnerable if something unexpected happens.
Get the Right Protection for You
Whether you’re looking to secure your family’s future, protect your income, or safeguard your business, our team is here to help.
Find out what protection policies are right for you – contact us today.
How to Use the Optic Financial Mortgage & Insurance Calculator
Select Your Calculation Type
- Use the dropdown menu to choose between Residential Mortgage, Buy-to-Let Mortgage, Commercial Mortgage, or Insurance.
- The calculator title will update to match your selection.
Enter Your Details
- Input the Loan Amount (£), Interest Rate (%), and Term (Years).
- If you select Buy-to-Let, an extra field will appear for Expected Rental Income (£).
- If you select Insurance, additional fields will appear for Insurance Cover Amount (£) and Estimated Premium (%).
Click “Calculate”
- The calculator will generate an estimate based on your inputs.
View Your Results
- For mortgages, you’ll see an Estimated Monthly Repayment.
- For Buy-to-Let, you’ll also see the Expected Rental Yield.
- For Insurance, the calculator will display the Estimated Annual Premium.
Contact Us Today
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR LOANS SECURED ON IT.
Optic Financial Limited T/A Optic Financial [TBC FCA] is an appointed representative of Connect IFA Ltd 441505 which is authorised and regulated by the Financial Conduct Authority and is entered on the financial services register ( https://register.fca.org.uk/ ) under reference 927268. Optic Financial registered address is [TBC Address] Registered in England No. 11599666. The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
Optic Financial typically charge a minimum fee of [TBC FEE]
It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department, Connect IFA LTD, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.
We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.
We offer a comprehensive range of mortgages from lenders across the market but not deals that you can only obtain by going direct to a lender.
